Hardyville, KY
How exposed is Hardyville to wildfire?
Hardyville's 152 buildings earn a 36th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hardyville's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Hardyville's building exposure, zone by zone
Of Hardyville's 152 counted buildings, 88.2% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Hardyville ranks
Compare Hardyville's two percentiles: 65th within Kentucky, only 36th nationally — a gap of 29 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Hardyville ranks 20,167 for wildfire risk (1 is highest) and 26,805 by building count (1 is largest). Within Kentucky alone, it ranks 195 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Hardyville
Hardyville's moderate wildfire rating (36th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Hardyville's 88.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Hardyville's 20,167-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Hardyville, see the exposure-zones guide.